Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$152,933Cash toward the purchase price.
Closing costs + prepaids$10,525Not just lender fees.
Before credits & paid funds$163,458The complete starting cash picture.
Estimated remaining funds due at closing
$163,458No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,932.54
Your down payment$152,932.54
Closing costs + prepaids$10,525.48
Total buyer cash needed$163,458.02
Remaining funds due$163,458.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$785.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,010.75
Initial HOA (3 months)$63.99
Prepaid interest, first (23 days)$347.40
Fees + prepaids$10,525.48
Your down payment is the seller’s equity. You take over the $157,067 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $163,458.02 is due at closing. Uses and sources reconcile at $320,525.48 each. Not a Closing Disclosure.